Date Received: 2024-01-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The product is a virtual AMEX eGift card that was given to me by a business for completing some tests. It has a {$200.00} balance. XX/XX/XXXX - Tried to use the card to refill my XXXX gift card balance on the XXXX site ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card to purchase a gift card at XXXX XXXX ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card at XXXX to purchase a physical XXXX gift card ( failed after initially being accepted )- {$200.00} XX/XX/XXXX - Tried to use the card to pay for my termite inspection balance with XXXX XXXX ( {$200.00} applied to the balance - card failed/declined ). The card currently has {$200.00} balance, but I can't use it on anything.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is a follow up from a previous complaint that is listed as closed with feedback, but the response did not actually deal with the majority of the complaint, and apparently there is no requirement for them to do so. My initial complaint was about an AmEx dispute with XXXX XXXX where I had been offered an upgrade for a flight, only to be told after a " no refund '' purchase that it only applied to one leg. AmEx alleged they disputed the charge, and yet when I repeatedly demonstrated that the response from the airline did not actually provide evidence contrary to what I said, AmEx took the view that the airline was their customer too, and acted to protect that relationship. Looking back, they probably knew that the regulatory mechanisms to hold them accountable were a joke and acted accordingly. I subsequently gained further information from the airline wherein it is clear that AmEx did not provide them with pertinent details of my dispute. So in addition to accepting a response that did not actually address the dispute, it turns out they didn't even try to investigate the dispute properly from the start. They sent a generic reasoning to the vendor, without outlining that my complaint was specifically relating to being offered an upgrade for the whole flight and receiving only one leg of the flight. It is fairly clear that what they send to the vendor is generic, but if they didn't even provide this information from the start, how are they then saying that the vendor response has adequately dealt with this? And at what point is the CFPB going to actually refer this to the OCC for proper investigation? If a credit card company is very clearly just going through the motions of a legal obligation rather than actually following it and there is no accountability from a regulator, why would they stop?
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XXXX XXXX a customer of AMEX sent me pages 1,3, and 4 of my monthly statement ( XXXX in total ) with a note she had received my pages along with her monthly statement. I do not know this woman and I have the letter and envelope in my possession. The statement contained my personal information, account information, balance and other private information. On XXXX I called an filed a complaint with Amex # XXXX. I advised them what I had received from their other customer and asked them to explain what happened and where was the remaining pages were. I was told they would look into it and get back to me. On XX/XX/ I called again advised them I had not heard or received anything. I then was told that no further action was needed. It was resolved and closed XX/XX/ the day I filed the complaint as they found it was a " non-AMEX '' issue. I asked how this was possible. And they opened another complaint # XXXX. I was also given # XXXX as they were crediting my account {$100.00} for a billing inquiry. I advised I didn't want their {$100.00}. I wanted to know why my personal information was send to a woman in XXXX, NY when I live in XXXX, NY and where the remaindered of my bill went. I have never been given an explanation. I was never offered a new card. They just swept the entire thing under the carpet.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is regarding dispute XXXX opened with American Express against the XXXX merchant for XXXX order # XXXX. the issue is quite simple but I think American Express is discriminating against me because I am XXXX and not taking my word for honest word. I did not receive any of the items I ordered in this order, all the XXXX trackings say the merchandise is missing from the packages, and even the XXXX merchant via email acknowledged the items were lost in transit and i am OWED a full refund. I don't know how american express could deem the charges valid when the merchant themself says the items were lost in transit and I am owed a refund ; further, ALL the XXXX trackings for the order state the merchandise was missing from the package. Thus I am owed my money because i did not receive any items i paid for..quite simple.
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two American Express Gift cards. I have tried to use both of them and all times they have been declined. In addition, I have called for the last two days and spent many hours on the phone only to get the run around!! One card is for {$400.00} and the other for {$500.00}. They are both below balance now due to {$.00} being subtracted everytime i go to use them! This is proposterous!!!
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have an AMEX gift card that was given to me as a XXXX gift. The card is {$1000.00}. Time and time again the card is denied on both online retailers and in-person. I called the customer service number I found online and spoke with an agent. He told me that he couldn't help me because of the specific type of AMEX gift card it was (? ) and told me to call the number on the back of the card. However, that number is just an automated line with the card balance. I feel this card is a scam. It claims to be usable everywhere AMEX cards are taken but that is false.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a payment on my credit card, and I just realize they did not give me the service I pay for, so I contact Amex they say they can't do the dispute.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I am writing to file a formal complaint regarding a significant issue I am experiencing with my American Express digital gift card. Despite numerous attempts, I have been unable to use this card for any online or in-store purchases, encountering a consistent 'payment failed " error with various retailers. Details of the Issue : Gift Card Type : American Express Digital Gift Card Issue Encountered : Repeated 'payment failed " error for both online and in-store transactions. Attempts to Resolve : I have made multiple attempts at contacting Amex with no help Impact of Issue : This problem has rendered the gift card unusable, effectively locking the funds and denying me access to the financial value it represents. Through my research, I have found that this appears to be a recurring issue with American Express, where customers are unable to utilize their digital gift cards. There are indications online suggesting that this might be a systemic problem, with concerns raised over the holding of funds by American Express. Such issues hint at potential fraudulent or deceptive practices. Given the severity of this issue and its apparent prevalence among other consumers, I believe it warrants an investigation by the CFPB. The inability to use a gift card, which is essentially a prepaid service, not only causes financial inconvenience but also raises questions about the business practices involved. I am willing to provide further details or documentation if required. Your attention to this matter is highly appreciated, as it affects not only my financial interests but potentially those of many other consumers. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase for cheerleading uniforms from what I know now as a fraudulent company. Upon receiving the uniforms, I noticed the sizing, color, quality, and construction was not what I asked for or inaccurate. The company refused to refund me. I entered a dispute with AMEX, providing ample evidence of what I asked for and showing what I received. AMEX took two screenshots and a shipping label from the company and sided with them, even though I provided over 15 pieces of evidence showing their misleading color swatches ( in which they admitted that the color looks different over mobile phone, inaccurate sizing charts, and most importantly that the vendor admitted that they did not give me the skirt design I asked for. After disputing AGAIN, AMEX told me that their investigation team concluded it was valid and that I have to dispute directly with the company ( which I already tried to do ) .Now I am out of {$410.00} and have no protection from the bank Ive been at for 3 years.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been calling Amex for over a year about an identity theft issue of an opened credit card. I have verified that they have been untruthful and deceptive when helping me resolve this issue. I have spent 10-20 hours a week for over a year calling and taking to Amex about this problem. No resolution has been offered from Amex to date. I have asked repeatedly for information about the charges and how the account was opened. No information has been provided to me.
Company Response:
State: FL
Zip: 32401
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A